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UHC Preferred Medicare Advantage FL-0002 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Preferred Medicare Advantage FL-0002 (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Preferred Medicare Advantage FL-0002 (HMO) in 2025, please refer to our full plan details page.
UHC Preferred Medicare Advantage FL-0002 (HMO) is a HMO plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Broward County. This plan received an overall rating of 4 out of 5 stars in 2025.
It's important to know that UHC Preferred Medicare Advantage FL-0002 (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UHC Preferred Medicare Advantage FL-0002 (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For UHC Preferred Medicare Advantage FL-0002 (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $21.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $175.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $2900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The UHC Preferred Medicare Advantage FL-0002 (HMO) plan has a $175.00 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance depending on the drug tier and pharmacy used. For example, you will pay no copay for preferred generic drugs at a standard pharmacy. Standard generic drugs have a $25.00 copay, while preferred and standard brand drugs have a $100.00 copay. Non-preferred drugs have 31% coinsurance.
Additional Benefits
The UHC Preferred Medicare Advantage FL-0002 (HMO) plan offers a wide range of benefits with varying costs. Many services, including primary care, preventive care, outpatient substance abuse, and home health services, have no copay. The plan also covers inpatient hospital stays, outpatient services, and emergency services with copays ranging from $0 to $150. Additional benefits include coverage for hearing and vision services, such as hearing exams and routine eye exams, with no copay. Dental services are also covered, with no copay for oral exams, x-rays, and cleanings. The plan provides coverage for ambulance and transportation services, as well as medical equipment and home infusion services.
Inpatient Hospital See details
Inpatient Hospital benefits include Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, both of which have no copay for a Medicare-covered stay. Additional days for Inpatient Hospital-Acute have no copay, while Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute and Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services are covered, including Outpatient Hospital Services with a copay between $0 and $150, Observation Services with a $150 copay, Ambulatory Surgical Center (ASC) Services with no copay, Outpatient Substance Abuse Services with no copay for individual and group sessions, and Outpatient Blood Services with no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the UHC Preferred Medicare Advantage FL-0002 (HMO) plan, with no copay required. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services include coverage for ground and air ambulance services, each with a $170 copay, and transportation services to plan-approved health-related locations with no copay for up to 36 one-way trips per year via taxi or medical transport. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the UHC Preferred Medicare Advantage FL-0002 (HMO) plan. Emergency Services have a $140 copay, while Urgently Needed Services have a copay between $0 and $20; both have no coinsurance. Worldwide Emergency Services has a $0 copay for Worldwide Emergency Coverage, Worldwide Urgent Coverage, and Worldwide Emergency Transportation, with no coinsurance.
Primary Care See details
The UHC Preferred Medicare Advantage FL-0002 (HMO) plan covers primary care physician services with no copay, chiropractic services with a $20 copay, and occupational therapy services with no copay. This plan also covers physician specialist services with a $0-$10 copay, mental health specialty services with no copay, and podiatry services with a $10 copay. Additionally, other health care professional services, psychiatric services, physical therapy, speech-language pathology services, additional telehealth benefits, and opioid treatment program services are covered with no copay.
Preventive Services See details
Preventive services include coverage for Medicare-covered services with no copay, and an annual physical exam with no copay. Additional preventive services, including fitness benefits and home and bathroom safety devices, are covered with no copay. Some services like health education, and others are not covered.
Hearing Services See details
The UHC Preferred Medicare Advantage FL-0002 (HMO) plan covers hearing exams with no copay, and routine hearing exams with no copay for one exam per year. Prescription hearing aids are partially covered, with a copay between $199 and $1249 for two hearing aids every year. OTC hearing aids are covered with a copay between $99 and $829. Fitting/evaluation for hearing aids, prescription hearing aids - inner ear, prescription hearing aids - outer ear, and prescription hearing aids - over the ear are not covered.
Vision Services See details
Vision services are covered, including routine eye exams and eyewear. There is no copay for eye exams, contact lenses, eyeglasses (lenses and frames), and upgrades. Eyeglass lenses and eyeglass frames are not covered.
Dental Services See details
Dental Services include oral exams, dental x-rays, prophylaxis (cleaning), fluoride treatment, prosthodontics, and oral and maxillofacial surgery with no copay; other services such as adjunctive general services, endodontics, periodontics, maxillofacial prosthetics, implant services, prosthodontics, fixed, and orthodontics are not covered. Oral exams, dental x-rays, and fluoride treatment are limited to a certain number of visits per year, while prophylaxis (cleaning) is limited to every six months, and prosthodontics is covered every five years.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay and 0-20% coinsurance, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with 0-20% coinsurance. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered under the UHC Preferred Medicare Advantage FL-0002 (HMO) plan, with prior authorization required. You will pay a coinsurance of 20% for these services.
Medical Equipment See details
Medical Equipment benefits include Durable Medical Equipment (DME) with no copay and no coinsurance, Prosthetics/Medical Supplies with coinsurance for Medicare-covered medical supplies, and Diabetic Equipment with no copay for Diabetic Supplies and 20% coinsurance for Diabetic Therapeutic Shoes/Inserts. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered under the UHC Preferred Medicare Advantage FL-0002 (HMO) plan. Diagnostic Procedures/Tests have a $25 copay, while Lab Services have no copay. Diagnostic Radiological Services have a copay of up to $100, and Therapeutic Radiological Services have a copay of up to $80, while Outpatient X-Ray Services have no copay.
Home Health Services See details
Home Health Services are covered by the UHC Preferred Medicare Advantage FL-0002 (HMO) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered, but the plan does not cover any of the sub-services, including Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services. Prior authorization is required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by UHC Preferred Medicare Advantage FL-0002 (HMO) with prior authorization required. There is no copay for days 1-20, and a $150 copay for days 21-100; additional days beyond Medicare-covered and non-Medicare-covered stays are not covered.
Other Services See details
Other Services includes coverage for Over-the-Counter (OTC) Items and Meal Benefit, with no copay for OTC items. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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